Call reports 2005
LAKE REGION BANK — 2005
What LAKE REGION BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 80,588,000 | 80,753,000 | 82,113,000 | 81,549,000 |
| Total loans | 50,360,000 | 51,113,000 | 54,240,000 | 55,450,000 |
| Allowance for loan losses | 379,000 | 493,000 | 510,000 | 397,000 |
| Securities available for sale | 22,656,000 | 22,053,000 | 21,350,000 | 19,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,859,000 | 70,797,000 | 69,620,000 | 71,634,000 |
| Interest-bearing deposits | 48,643,000 | 48,262,000 | 48,461,000 | 48,054,000 |
| Noninterest-bearing deposits | 21,216,000 | 22,535,000 | 21,159,000 | 23,580,000 |
| Equity capital | 6,451,000 | 6,636,000 | 6,667,000 | 6,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,087,000 | 2,230,000 | 3,413,000 | 4,670,000 |
| Interest expense | 227,000 | 478,000 | 756,000 | 1,059,000 |
| Net interest income | 860,000 | 1,752,000 | 2,657,000 | 3,611,000 |
| Noninterest income | 318,000 | 681,000 | 1,044,000 | 1,380,000 |
| Noninterest expense | 931,000 | 1,951,000 | 2,942,000 | 3,958,000 |
| Provision for loan losses | 20,000 | 40,000 | 60,000 | 90,000 |
| Pretax income | 225,000 | 440,000 | 697,000 | 929,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 221,000 | 436,000 | 693,000 | 925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,552,000 | 6,591,000 | 6,741,000 | 6,806,000 |
| Total capital | 6,931,000 | 7,084,000 | 7,251,000 | 7,203,000 |
| Risk-weighted assets | 48,749,000 | 55,731,000 | 58,419,000 | 59,352,000 |